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Superstars: Quality-at-Reasonable-Price Way of Investing...Delivered

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How it works

See how 3 Power-Packed Tools make stock-investing simple.
  • 1
    See Decision Makers
    Answers to Right Stocks, Right Price &
    Right Time in one place
  • 2
    Use clickable items
    To access important details directly.
    Use filter, sort and search
  • 3
    Click Buy Zone
    Check Upside and Green Flag.
    Decide to buy recommended allocation
  • 4
    Click Sell Zone
    Check Upside and Red Flags.
    Decide to trim/exit if you are holding it
Superstar dashboard
  • 1
    Financial Analysis
    Over 10 years, colour-coded to
    understand company performance.
  • 2
    Management X-Ray
    For a complete overview
    of the company
  • 3
    Latest Financials
    Key quarterly results-latest
  • 4
    Valuation related
    Price Calculator, Price chart with MRP, DP lines, key ratios
  • 5
    Analyst Info
    For taking informed decisions
    and investing sensibly
Ten year X ray
You can view the Demo to learn about to use this better.
  • 1
    Snapshot
    Total and asset class-wise performance. See-through Stock Portfolio. Know CAGR.
  • 2
    Asset-class wise
    See stock, equity mutual funds, debt and gold portfolios separately
  • 3
    Risk Report
    Know which of the 7 risk are present in your portfolio and manage it better
  • 4
    Easy Addition
    To keep only the necessary stocks in your
    portfolio
  • 5
    Boughtlist
    To know stock-wise total and day's gain, total realised and unrealised gain/loss
Ten year X ray
How it works

Tool 1: Superstar Dashboard
Complete Overview and Decision Making

    1. See Decision Makers – Answers to Right Stocks, Right Price & Right Time in one place
    2. Use clickable items to access important details directly. Use filter, sort and search
    3. Click Buy Zone : Check Upside and Green Flag. Decide to buy recommended allocation
    4. Click Sell Zone : Check Upside and Red Flags. Decide to trim/exit if you are holding it
    Superstar dashboard

Tool 2: 10 Year X-Ray
See Important Details to Build Conviction

    1. Financial Analysis over 10 years, colour-coded to understand company performance.
    2. Management X-Ray, Shareholding and Promoter pledging
    3. Latest Financials: Key quarterly results-latest
    4. Valuation related: Price Calculator, Price chart with MRP, DP lines, key ratios
    5. Analyst Notes, Updates, News
    Ten year X ray
    You can view the Demo to learn about to use this better.

Tool 3: Portfolio Manager
Manage Risk and Enhance Returns

    1. Snapshot: Total and asset class-wise performance. See-through Stock Portfolio. Know CAGR.
    2. Asset-class wise: See stock, equity mutual funds, debt and gold portfolios separately
    3. Risk Report: Know which of the 7 risk are present in your portfolio and manage it better
    4. Add and upload transactions with ease. Retrieve history with ease
    5. Boughtlist: To know stock-wise total and day's gain, total realised and unrealised gain/loss
    Ten year X ray

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A simple demo will help you use our Power-Packed Tools and take better stock-investing decisions
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best out of our site
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you can find!
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Proof of Performance

Disclaimer: The Proof of Performance seen here is based on the recommendations for stocks only, and
includes all stocks covered by MoneyWorks4me.
Our focus is on delivering absolute CAGR returns over the long term while managing risk at a level that ensures clients stay invested and benefits from it.
What does this mean? What does this mean?

What Customers Say

The decision to invest in stocks has many facets to it, ranging from nerve-wracking risk-involved moves that could turn into a make or break an investment, to safer options with reasonable returns over a set time period.

Your goal should be to build a wealth-creating portfolio that holds strong and reasonably diversified stocks purchased at an attractive price to ensure you get good returns in the long run.

MoneyWorks4Me helps investors both new and experts identify the right stocks at the right time at the right price and grow their wealth smartly.

Read our free guide to investing in stocks here.

The purpose of saving is to make sure that we create wealth for a rainy day or for our long term financial goals. But this is not simple, one must know how money grows. Is there a formula? Yes, and MoneyWorks4Me calls it the wealth-building formula.

Wealth = Surplus (1 + returns) ^ years invested

What this formula implies is that the wealth that you create for the future is nothing but your current surplus earning returns compounded for a period of time (years invested).

Here, all three variables, that is, the surplus (non-utilised income which can be used in the future, returns (compound annual growth rate), and the number of years you stay invested are essential for your eventual returns. Let us now explain how this formula helps one understand how important sensible investing is in the course of wealth building.

It would be sensible for any investor to focus on the one variable that they have maximum control over, which is years invested. This will allow his money to compound for as long as possible. It is also important to have sensible expectations regarding returns. While they have to be substantially higher than inflation rates, they must not be so high that they breach the risk appetite of the investor.

Investing in stocks or any other financial instrument should be done in a way that the investor is confident and does not incline towards exiting the market.

  1. Thinking of investing as a sprint instead of a marathon

    2. Upcoming investors are perpetually chasing the notion of high returns and overly keen on making a quick buck instead of viewing the investment as a tool that will ensure long-term financial goals. Investing is like a marathon, which needs a steady pace while competing thereby guaranteeing steady and consistent returns. A good investment will need time to start showing signs of strong profits and with the power of compounding, it definitely will.

  2. Underestimating risks

    3. Investors that begin their journey with the expectation of high returns, usually invest heavily in small and micro-cap funds bought at extremely high prices in a hope of the value skyrocketing. Such portfolios have the propensity to move up, at times, but the drop will be substantial and quick.

  3. Not diversifying

    4. Investing fully in one or a few companies spells a recipe for disaster. Many adverse situations could arise, like the company going bankrupt or a management shake-up or the industry experiencing a downturn. Moreover, stock prices are volatile and could rise and fall drastically.

  4. Investing money you cannot afford to risk

    5. Investing money that will be required after a short while is unwise and doesn't fully qualify as an investment due to the high risk involved. In case the market is down and the investor is in dire need of the money, they will be forced to sell at lower rates, which will also incur lower return rates.

  5. Not investing in financial education

    6. A common investor mistake is to not understand how mutual funds and stocks make money and blindly invest because a friend told them to do so. It is this knowledge that helps individuals distinguish between good and bad advice, thereby helping them pick the right stock over the wrong one.

    It is imperative to take some time to understand the basics of investing in equity, assessing companies and stocks, how to build a strong portfolio, etc to avoid mistakes and ensure strong returns.

    How can you avoid these mistakes? Find out by clicking here.

  • Stay invested and let the power of compounding work its magic.
  • Do not invest your entire surplus in stocks, rather limit the allocation to 60% at the most.
  • Remember to invest in companies that are doing well and are tipped to continue a steady growth
  • Have realistic expectations of returns, say twice the returns you would probably get from an FD.
While investing in stocks, it is worth spending some amount of time in investigating and picking the right stocks, based on one's investment preferences. While it may be subjective, it would be safe to say that following the Quality-at-Reasonable-Price (QaRP) method will ensure that investment remains somewhat safe with quality companies, and a reasonable buying price will offer insulation against steep drops in the market.

MoneyWorks4me has categorized stocks into Core stocks and Booster stocks, both of which are categorised under the QaRP approach.

  1. Core Stocks: Companies, which have shown consistent performance against economic conditions, impact of governance and competition; and are leaders in their field are core stocks. Owing to their consistent nature, risks are few and the ability to withstand volatility is greater. Here the returns are measurably good.
  2. Booster Stocks: Young and promising companies in the emerging sectors that are known to have good prospects for growth in a given economic landscape, fall under this category. These stocks may experience some cyclical fluctuations, as their resilience to adversities is not fully proven. Here, one needs to be watchful and exit if the company performance is not up to the expectation and the stock is unlikely to give a boost to the returns.

Click here to learn how you can build a healthy portfolio.

Things that one needs to answer in order to build a strong portfolio while picking stocks are:

Invest in companies that are strong financially and can grow their business.

Find stocks that are going at low prices but have the affinity to gain substantially and are inflation-proof.

It is ideal that 20 such stocks are managed in the portfolio hence increasing productivity and reducing the element of error. Learn more.

Great businesses have one essential characteristic and that is they have a sustainable moat. A moat is a competitive edge a company has that keeps it ahead despite any adversity it faces. The term was coined by Warren Buffet who explained that companies like this were less susceptible to change in government regulations and competition because there is a stable demand for their products. Investors are encouraged to look at companies with a sustainable moat before investing in their stocks.
Yes, financial records over a sustained period (at least 10 years) of time can confirm the sustainability of the moat. Investors must carefully assess the financial track records of these companies over a 10-year period and also analyse profits. A 10-year period is suggested because companies usually go through an entire economic cycle – highs, lows, growth, and recession during that period.
Due to various factors and changes that take place on a daily basis, there can be no guarantees of performance. That said, an excellent past performance over a significant period of time can be a good indicator of how competent the management of the company is, in terms of dealing with turbulences.
Undisputedly, a respectable management raises the value of the company. But is it enough to know that the management is competent? No. While competency of the management can make or break the company, it becomes important to learn how respectable the management is within the industry and market. Because the promoters and top management handle the financial results and all communication with the public, it is key that their integrity is tested.

So, if there are any blemishes in the track record of any member in the management, it will pose as a cause for concern. However, it is not easy to ascertain the honesty of the management.

It is better to remember that precaution is better than cure. There are some signs that give away how trustworthy the management of a firm is. You can read more about it here.

There are different approaches to analysing a stock – a qualitative approach and a quantitative approach. While the qualitative approach includes analysing the industry, company history and quality of the management, under the quantitative approach, there are six parameters, which help the investor understand the nature of stock based on its earnings, returns and other potential values. Listed below are the metrics that help analyse the same:
  1. Earnings per share (EPS)
  2. Net Operating Cash Flow
  3. Net Sales
  4. Book value per share (BVPS)
  5. Return on capital employed (ROCE)
  6. Debt-to-operating cash ratio

Read more about these parameters here.

Since stocks do not have an MRP, it is hard to predict a reasonable price. This is resolved by setting an anchor, the price that is used for comparisons. It is similar to how one evaluates the right price while buying daily commodities such as fruits and vegetables as well.

By using a one-year high or low, P/E or P/BV (types of anchors) the market prices of the stocks can be evaluated, though this is not calculated by the performance of the company.

Fair value and intrinsic value are other types of anchors that are based on the current performance of the company.

Overall, it is difficult to prove which anchor works better in evaluating the price of stocks. Reasonable prices do not always mean cheap. Some quality companies always trade at a high P/E or P/BV. So when they are closest to their fair value, they can be called reasonably priced. Similarly cheap is not always reasonable. Sometimes stocks are cheap when their potential returns drop and this is not always a good time for an investor to buy those stocks.

You can read more about it here.

While investing in stocks, diversification is important. A minimum of three stable industries would form a good foundation for the portfolio. Example, construction, IT services, and banking. Further, it would be best to explore at least six companies across these industries including some market leaders and growth-oriented companies. An ideal portfolio should contain not more than 20 stocks to get the maximum possible benefit of diversification.Read more.
The ideal portfolio size is between seven and 18 stocks. Anything less may increase risk and anything over 18 may reduce returns.
There are two key benefits to investing in stocks over mutual funds:
  1. Higher control of your investment: You can decide what stock to buy when to buy/sell the stock. Mutual Funds are not positioned to take advantage of some opportunities, such as investing at attractive prices in a bear market or from a short term performance hurdle in an otherwise good company (since they need to be among the best performing funds to attract more funds).
  2. Lower cost: Investments in direct stocks incurs brokerage costs that are significantly lower than expense ratio of Mutual Funds.
We prefer to buy wonderful businesses and hold on to them for a long time. But change occurs at various levels: the company, the sector, the economy, global developments that impact the performance of a company and finally the continual fluctuations in market price. So, you need some guiding principles about when to sell.

Here are two:

Principle one: When a company doesn't seem to be the wonderful business you thought it was, you should decide to exit or reduce your holding.

Examine the data available on hand. Any changes in the factors that encouraged you to buy will be an indicator that will help you make the decision regarding the sale. Any new data that changes the forecast should be acted upon immediately, even if it means selling at a loss.

Principle two: When the market price has run up so high that the stock will give poor/low returns over the next few years, you should consider booking some profits.

When the market price of a share runs so high that its yield drops, thereby making it an expensive asset to hold, the investor is better-off selling it to make some capital gains.

Frequently Asked Questions

Your goal should be to build a wealth-creating portfolio. A portfolio of very strong and reasonably diversified stocks; all purchased at attractive prices so that you get excellent returns over the long run.
Your portfolio should not contain less than 7 stocks and not more than 18 stocks depending on your portfolio size. Too few increases risk and too many reduce returns. It is good to have some cash in your portfolio so that you can act on very good opportunities when they come.
You should also chose stocks from different sectors eg BFSI, IT, FMCG, etc and not be over invested in only one sector. Simple rule 3 sectors and 7 stocks are minimum, 6 sectors and 18 stocks is maximum. Do not go after every opportunity in the market.
Make sure you invest mostly in Green colour-coded companies and have moderate exposure to Orange colour-code companies. To find out the current opportunities go to the Homepage and click on BUY tab.
Look at the Right Allocation section of the Decision Maker. For every stock we recommend maximum allocation in terms of percentage of your portfolio. However, you buy this in a phased manner (refer Question 6)
Go to the Portfolio Builder. You will be able to see all our signals and recommended allocation. You will see your portfolio and allocation in each stock entered in Bought List. This will help you in making portfolio level decisions.
To take action you need to see the Right allocation section of the Decision Maker.

We have implemented ‘real’ systematic investment plan (SIP) for every stock in your plan. You can see this by clicking the Price Chart.

This plan tells you that you should buy and sell a stock in tranches (slices).It suggest investing 20% of the max allocation at Rs. 882-971, additional 30% taking the total invested to 50% at Rs. 794-882 and so on. This will ensure you avail of opportunities as it arises and still maintain a very attractive average buying price. Similarly selling is suggested in 3 tranches to ensure great returns without carrying the risk of losing the opportunity to book profits

In our model, calls or alerts are generated as and when stocks prices move to certain levels. However, these are doubly checked by our analyst before they are released. In some cases we may delay buying or selling actions if it is merited. Therefore the number of calls depends on markets levels. If markets are overvalued, there will be less Buy calls and more Sell calls. If markets are undervalued, there will be more Buy calls and less Sell calls. We do not give Buy calls forcibly. We prefer that you wait with cash to buy with conviction when opportunities come. Let’s assume you have portfolio of 5 lakhs and you have invested just 3 lakhs, in that case hold cash of 2 lakhs. Do not be fully invested in the market if there are no opportunities.
To a large extent Buy signals do perform, but one or two may not go as expected and may be a bad call in retrospect. So we insist you build your portfolio as suggested above and not concentrate your portfolio in only a few stocks chosen by you. Diversification helps overall portfolio to grow despite of one or two losers. You will be able to track all our Buy/Sell triggers and percentage allocation in Portfolio Builder section alongside your portfolio pulled from Bought List.
Our analysts are constantly monitoring the stocks. We will give signal what to do with the stock. If not, feel free to call us to ask the future course of action. Do not act on your own, our experts will help you. Since we are keeping overall portfolio view, we will not be affected by a correction in any particular stock. The other stocks in your portfolio will take care of losses, if any. Your goal should be increasing entire portfolio size.
We give our signals based on what price it will command five years hence. So, it may take at least 12-24 months for the stocks to perform. Few stocks would rise every quarter and few will rise only after some anticipated event. You should hold the stock and ignore short term volatility in the stock.
You need to check whether you have any large exposure to a particular stock or Orange/Red colour stock.

For eg. let's say, you have 13% of your portfolio in ABC Ltd. You should partially sell the stock to reduce the exposure to this particular company and invest in new stock, provided you do not diversify beyond 18-20 stocks. Similarly, you should reduce your exposure to Orange/Red colour stock and invest in Green colour stock.
For queries, call us at (+91)-20-67258333 or mail besafe@moneyworks4me.com

We always suggest making decision based on upside potential of an opportunity set. While our MRP and discounted price help you gauge which stocks are undervalued, they do not help adequately address upside potential.
    Upside Potential will tell you our estimate of upside of a particular stock at current price. Upside Potential is given for all stocks that we cover and it is calculated for next 3 years. Remember this is not a precise tool but surely a very good elimination process.
  • 1. A stock showing less than 6% CAGR over 3 years must be definitely avoided for fresh/additional purchase, while it might be fine to hold.
  • 2. A stock showing more than 10-15% CAGR and More than 15% CAGR can be considered for new purchases.
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Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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